West Virginia Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for West Virginia (WV).

Quick Reference

Key Deadlines

Acknowledgment
15 business/working days
Accept/Deny
10 business/working days
Investigation
90 calendar days
Payment
15 business/working days
Status Updates
CONFLICT: [W. Va. Code § 33-11-4(9) says 15 calendar days then 30 calendar days; W. Va. Code R. § 114-14-6.7 says 15 business/working days after initial 30 calendar days, then 45 calendar days. Using W. Va. Code § 33-11-4(9) as primary statute.]

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (yes)

Regulatory Authority

West Virginia Offices of the Insurance Commissioner (WVOIC)

Phone: Toll Free 1-888-TRY WVIC (888-879-9842) or (304) 720-8580; Website: www.wvinsurance.gov; Email: [email protected]; Mailing Address: WV Offices of the Insurance Commissioner, ATTN: Property & Casualty Consumer Services Division, PO Box 50540, Charleston, WV 25305-0540; Physical Address: 900 Pennsylvania Ave., Charleston, WV 25302

Bad Faith: W. Va. Code § 33-11-4(9)

Key Statutes

  • W. Va. Code § 33-11-4(9) et seq.
  • W. Va. Code R. § 114-14-1 et seq.
Last reviewed: April 1, 2026

West Virginia handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

Specific fraud warning required.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.